Sentences with phrase «lower quality mortgages»

Fannie Mae lobbies for lower mortgage standards so they can earn more income which primes the market for lower quality mortgages.

That's why there will be vultures aplenty, outside of lower quality mortgages.

The lower quality mortgages for which the g - fee underprices risk, on the other hand, still go to the GSEs.

FNMA is not an originator but purchased supposedly A or better paper from banks, mortgage companies etc. the very ones that are paying back billions for packaging low quality mortgages as A or better rated and sticking FNMA with the loans.

Not exact matches

Credit card companies and mortgage lenders typically reserve their lowest rates and largest loans for people who have exhibited a quality track record when handling credit.

target and maximum levels, assumed, for Mr. Hoyt's Wholesale Banking Group, continued double - digit loan growth and favorable credit quality; for Mr. Oman's Home and Consumer Finance Group, improvement in the home mortgage business due to cost control and expected improvements in the yield curve favorably affecting earnings from hedging activities; and for Ms. Tolstedt's Community Banking Group, growth in deposits, especially low or no - cost core deposits, continued loan growth, and stable credit loss rates.

We originally called our housing problems the «subprime crisis» because we thought the whole problem was centered on low - quality mortgages.

Note: Optimists believe strong housing demand will help mitigate things, just resulting in a reversal of the McMansion trend of bigger housing, lower quality homes and 40 year mortgages eventually replacing 30 year ones.

There need to be ways to provide them with quality pay and with incentives such as tax breaks and lower mortgages.

A large portion of the U.S. household debt in the late 2000s was in low - quality, sub-prime mortgages.

The major flaw was that subprime and low - quality mortgages composed of many faulty CDOs that were given the same high grade ratings as corporate debt.

Our specialists have picked quality lenders offering the best mortgage loans with the lowest interest rates and very flexible repayment programs.

The agency offers safe, fixed rate mortgages; rental assistance for low - income families and individuals; and financing for the development of quality, affordable rental housing.

Non-Agency securities, on the other hand, are generally considered to be of lower loan quality and, therefore, pose higher risk for mortgage investors.

Non-prime mortgages were made to borrowers of lower quality.

I would add in other asset classes as well: credit default, emerging markets, junk bonds, low - quality stocks, the toxic waste of Asset - and Mortgage - backed securities, and private equity.

Unlike wild risk takers investing in subprime mortgages — low - quality loans to borrowers with iffy credit — Thornburg stuck to high - quality assets.

Though it may have seemed a good idea at the time, allowing for lower quality collateral has caused the creditworthiness of several catastrophe bonds to suffer as Lehman defaulted, and as losses on subprime mortgages rose.

«The high quality panel of (re) insurers will competitively bid, through a transparent process, to provide, over the long term, lower cost mortgage insurance for borrowers.»

[4][30] Private MBS grew primarily by lowering their standards and securitizing more low - quality, high - risk mortgages such as Alt - A, and subprime mortgages.

«The low interest rates of the early 2000s may explain the growth of the housing bubble, but they don't explain the poor quality of these mortgages.

Lenders, especially life insurers and foreign banks, have re-entered the commercial mortgage market, creating more choices for borrowers as well as lower mortgage rates and higher loan - to - value ratios for high - quality assets.

Also helping to lower shadow inventories is the rise in home prices, lower unemployment rates, the higher number of loan modifications, and tightening of underwriting standards that has led to an improvement in mortgage credit quality, economists note.

Ryan and Louis discuss the direction of interest rates and inflation, the reluctance of the Fed to recognize the inflation threat, the impact of foreign countries raising their interest rates to combat inflation; the Fed's Vice Chairman Janis Yellen's view that inflation and the rise of commodities won't impact the «recovery», blaming rising global demand and disruptions of supply, not the easy money policy of the Fed; encouraging consumer confidence so they borrow more money to buy things they don't need to stimulate the economy, loan officer compensation, banks» use of Fed loans and banks» preference of trading operations over mortgage lending; credit squeeze; increased lending standards; the advantage of getting a low interest loan now before interest rates and inflation rates rise; the problems with Fannie Mae and Freddie Mac; the Democrats, Republicans and President avoid a government shutdown and what might have happened if it did; the $ 10 ′ s of billions of dollars saved in light of a $ 1.3 trillion defecit; the disconnect between buyers and sellers article in the Chicago Tribune; the HomeGain first quarter 2011 home values survey; the value of a quality Realtor in buying and selling a home; the HomeGain FSBO vs. REALTOR survey

Recent Home Mortgage Disclosure Act data shows that consumers have been shut out of the market for quality, affordable housing because regulations have decreased the availability of financing for manufactured homes, which are a vital source of affordable housing for millions of low - and moderate - income families across the country.

The agency offers safe, fixed rate mortgages; rental assistance for low - income families and individuals; and financing for the development of quality, affordable rental housing.